Locations

HAPPY NEW YEAR !

Well, another year has passed and we now look forward toward 2014! So time to break open the champagne, hold your loved ones close and sing “Auld Lang Syne”. So what about ‘Auld Lang Syne”?  Most of us can hum the song and of course sing the closing line “Auld Lang...

Oops. Worlds largest debt collector fined for harassment

Most of us have been there. You have a bad month financially and cannot pay your current bills. Not too long ago, if you failed to make a credit card payment, the payment was simply added on to the next month’s bill. These days, if the payment is a day or two late the...

My spouse is filing bankruptcy. Do I need to file too?

I have been asked this question a thousand times. The quick simple answer is “no”. There is no law that requires both spouses to file for bankruptcy when one spouse needs to file. However, it is not as simple as that. The first thing to consider is if the “non-filing”...

Foreclosures Top Ten list

In honor of the recent announcement of David Letterman’s retirement we have compiled our own top ten list. (minus the humor, sound effects and celebrity appearances). And so….without further ado……. America’s Top Ten states for Foreclosures! (Keep in mind that...

Reverse Mortgage? How can I lose?

Okay. You talked about it and now you have decided on taking out a “Reverse Mortgage” on your home. You don’t have to make a monthly mortgage payment?  You get cash from your home in monthly payments or lump sum cashout? It can even payoff your existing loan? I...

Ready to Retire? Are you sure?

So you think you are ready to retire. Have you checked your retirement account? Are you ready now? For many Americans the thought of retirement income included Social Security, personal savings and their retirement accounts. But thanks to the “Great Recession” ...